People waste a lot of time and effort while paying through Cash, Card & Internet Banking.
Cash is convenient but carrying a lot of cash could be bulky and always prone to theft and security. Credit and debit cards are also convenient still while making payment at a small shop or returning borrowed money to a friend may be tricky if you don’t have cash. Net banking, on the other hand, is a tedious task.
Paying the exact amount, waiting for the change, waiting to get cash from ATMs, Long process to pay via card or internet banking are just few of the problems.
The following is an approach to come up with a quick solution for a mobile-based wallet to pay, send and receive money.
The Good and Bad of Cash and e-wallet
I spend some time deducing what are the pluses and minus of both traditional cash and e-wallet and found quite a lot of insight
Task Analysis
After studying about different aspects of both cash and e-wallet I categorized different tasks people perform by their physical wallets.
Primary tasks
From all the listed tasks, I identified four primary tasks by Task-affinity mapping (Frequency Vs. importance).
- Make payments at Shops(Online & Offline)
- Add Money
- Track the Spendings
- Transferring Funds
White-boarding and Concepts
After identifying the primary tasks and the task flows, I spend some time brainstorming to come up with a one of a kind idea.
My philosophy is to reduce the gap between the real and digital world. Below is a representation of how we spend from our wallets.
By following the philosophy, I tried to mock the app’s home screen and other components on the white board.
Paper prototypes
Refining the ideas in the white boarding session and testing them using POP to find pain points in the flow.
Home page exploration
A lot of time spend on simplifying the navigation and making things obvious. That means mapping with the real world.
For example, we check the balance in our wallet by pulling out the money from the wallet but not entirely out. So to mimic that a swipe to see balance interaction is introduced to make the app feel more natural to the people.
Payment Journey
Making payment is the single most important function of a wallet. In the digital space, we can take help different technology to make payments easy and intuitive.
A proximity payment method is available if merchants nearby are using same app for receiving payments.
Pop Prototype
Visual design and Origami Prototype
After exploring all possibilities in paper, it’s time to put pixels on the screen and get things moving.
I used sketch and Origami to create the visual design and interactive prototype respectively.
Origami Prototype
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